export default function FunnelPage({ branding, navigate, onContactSubmit }) { const [formData, setFormData] = useState({ name: '', email: '', phone: '', message: '' }); const [status, setStatus] = useState('idle'); const [openFaq, setOpenFaq] = useState(null); const handleSubmit = async (e) => { e.preventDefault(); if (!formData.name.trim() || !formData.email.trim()) return; setStatus('sending'); try { await onContactSubmit({ name: formData.name, email: formData.email, phone: formData.phone, message: formData.message, }); setStatus('sent'); setFormData({ name: '', email: '', phone: '', message: '' }); } catch { setStatus('error'); } }; const scrollToCalculator = () => { document.getElementById('calculator').scrollIntoView({ behavior: 'smooth' }); }; const scrollToContact = () => { document.getElementById('contact').scrollIntoView({ behavior: 'smooth' }); }; const faqs = [ { q: "How accurate is this Idaho mortgage calculator?", a: "Our calculator provides highly accurate estimates based on current Idaho mortgage rates and typical closing costs. However, your actual payment may vary based on your credit score, loan program, and specific property details. Contact me for a personalized rate quote." }, { q: "Does the calculator work for both purchase and refinance loans?", a: "Yes! The calculator handles both scenarios. For purchases, enter your expected home price and down payment. For refinancing, enter your current loan balance and estimated home value to see potential savings." }, { q: "What factors affect my mortgage payment in Idaho?", a: "Your monthly payment depends on the loan amount, interest rate, loan term (15 or 30 years), property taxes, homeowner's insurance, and PMI if your down payment is less than 20%. Idaho property taxes vary by county." }, { q: "How much down payment do I need in Idaho?", a: "Down payments range from 0% (VA/USDA loans) to 3-3.5% (FHA) to 5-20% (conventional). Your ideal down payment depends on your loan type, credit profile, and financial goals. Use the calculator to compare different scenarios." }, { q: "Should I refinance my Idaho home?", a: "Refinancing makes sense when current rates are lower than your existing rate, you want to shorten your loan term, or you need to access equity. The calculator shows potential monthly savings. I can analyze your specific situation to determine if refinancing is right for you." } ]; return (

{/* Top Bar */}

{branding.phone} {branding.email}

NMLS: {branding.nmls} | Company NMLS: {branding.companyNmls}

{/* Header */}

{branding.logoUrl && ( {branding.company}

)}

{/* Hero Section */}

Idaho's Trusted Mortgage Calculator

Idaho Mortgage Calculator for Purchase & Refinance

Calculate your monthly payment for buying a home or refinancing in Idaho. Get instant estimates including taxes, insurance, and PMI. No sign-up required.

Free & Instant Idaho-Specific Rates No Credit Check

Trusted Idaho Mortgage Expert

{branding.fullName}

{branding.title} at {branding.company}

{/* Calculator Section */}

Idaho Mortgage Payment Calculator

Calculate your estimated monthly mortgage payment for purchasing a home or refinancing in Idaho. Includes principal, interest, taxes, insurance, and PMI.

These are estimates only. For accurate, personalized rates based on your credit profile and specific Idaho property, request a custom quote below.

{/* Loan Types Section */}

Idaho Mortgage Solutions for Every Situation

Whether you're buying your first home, upgrading, investing, or refinancing, I offer the right loan program for your needs.

{/* Purchase Loans */}

Home Purchase

First-time buyer or moving up? Get pre-approved and shop with confidence.

• Conventional & FHA
• VA (0% down)
• Jumbo loans

{/* Refinance */}

Refinance

Lower your rate, reduce payments, or tap into your home equity.

• Rate & term refinance
• Cash-out refinance
• FHA streamline

{/* Investment */}

Investment Property

Finance rental properties and build your real estate portfolio.

• Single-family rentals
• Multi-unit properties
• DSCR loans

{/* Special Programs */}

Special Programs

Unique solutions for self-employed, unique properties, and more.

• Bank statement loans
• Jumbo Loans

{/* Google Reviews & Trust Section */}

{/* Reviews Header */}

Google Reviews